Compare travel insurance for Tenerife and the Canary Islands

A trip to the Canary Islands can be one of magical contrasts. Of course, there are the famous beaches and hours of sunshine, but there are also volcanos, dramatic mountains, quaint villages and stunning cave systems. Plenty to enjoy.

Whatever your reason for heading to the Canary Islands, good travel insurance is definitely worth considering.

A trip to the Canary Islands can be one of magical contrasts. Of course, there are the famous beaches and hours of sunshine, but there are also volcanos, dramatic mountains, quaint villages and stunning cave systems. Plenty to enjoy.

Whatever your reason for heading to the Canary Islands, good travel insurance is definitely worth considering.

Josh Daniels
From the Travel team
4
minute read
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Posted 18 JANUARY 2021

Do I need travel insurance for the Canary Islands?

You might not think so from looking at a map, but the Canary Islands are part of Spain. That means that a travel insurance policy that covers Europe will be the right choice for the likes of Lanzarote, Gran Canaria and Tenerife.

That's something to bear in mind if you already have travel insurance - whether that's from an existing policy or one that comes with your bank account, for example.

Travel insurance will protect your baggage and personal belongings from loss, theft or damage. It will also provide cover for you in the event of an illness or if you have an accident and will even fly you home in an emergency.

CORONAVIRUS UPDATE 

From 17 May 2021, a travel traffic light system has been introduced and trips to green listed countries will be legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority, which can be found here.

If a country is on the green list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you're aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO advises against all but essential travel to most amber and red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

Find out more here

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

What should my travel insurance to the Canary Islands include? 

When looking for travel insurance for your holiday to the Canary Islands, you should consider the following:

  • Medical care – this is key in any travel insurance policy. This cover may protect you, should you or your family need access to healthcare while in the Canary Islands. The policy may also include repatriation back to the UK, if you're too ill to depart at your scheduled time
  • Flight cancellations and missed connections – your travel insurance may also provide cancellation cover, which protects you in the event that you have to cancel your holiday due to illness or jury service. This could ensure you get your money back. Just make sure the level of cover is sufficient to cover the cost of your trip. Cover for things like a missed connection isn't included in all policies, so if you want to be covered for this, make sure you check the policy T&Cs
  • Damage, loss or theft of your luggage – this is valuable given the amount of stuff we take with us on holiday, including our phones, laptops, tablets, and cameras, as well as our clothes. Your travel insurance may cover the cost of replacing items if they are lost, damaged or stolen. Always read the policy details to check on limits, including those for single items to make sure they are sufficient. Theft is one of the most common risks that holidaymakers in Spain are vulnerable to, with pickpockets working in teams to steal money or passports.
  • Repatriation – if there’s trouble with the airline, or you need special travel arrangements due to a medical requirement, these costs can be covered.
  • Extreme sports – the Canary Islands offer some of the best conditions all year round to do a range of sports, including:
    • Trail running
    • Paragliding
    • Jump rope
    • Cycling and mountain biking
    • Climbing
    • Paragliding

The Canary Islands Travel Insurance Exclusions 

While your insurance can provide cover for many of the unexpected costs you might face while travelling in the Canary Islands, there may be some exceptions. Here are some of the things to check carefully for in your policy: 

  • Pre-existing medical conditions – if you require treatment for these, you’ll likely need to pay more on your premium. However, all medical conditions declared on Compare the Market will be included in the policies shown to you.  
  • Injuries or accidents resulting from high-risk activities – the Canary Islands have a volcanic landscape, which offers fantastic opportunities for rock climbing and mountain biking. The waters also offer great conditions for surfing, sea kayaking and other water sports. If you’re travelling to the Canary Islands on an adventure holiday, check your policy carefully and arrange extra cover if necessary.
  • Incidents related to alcohol abuse – while enjoying the popular bars and sharing a few drinks with friends is a lot of fun, things can quickly go wrong with too much alcohol. Canary Island resorts, such as Playa del Inglés in Gran Canaria and Playa de las Américas in Tenerife, are popular for their nightlife, which can lead to a range of incidents. If you’re injured or lose something as a result of being overly intoxicated, your claim will likely be rejected. 
  • Travel to regions which Foreign and Commonwealth Office have advised to avoid – this may be because of disease epidemics/pandemics or terrorism threats. The FCO doesn’t currently advise avoiding travel to the Canary Islands, but you should check for the latest updates ahead of travel. 
  • Act of God – this includes natural disasters. The Canary Islands are a series of islands with a volcanic landscape, which is also susceptible to tremors and minor earthquakes. These aren’t often felt by tourists, but you should check your inclusions to be safe.

How does the EHIC card affect travel insurance in the Canary Islands?

The Canary Islands are in Europe as they are a part of Spain – so it's a good idea to take a European Health Insurance Card (EHIC) with you. This isn't a substitute for travel insurance, but it gives you the right to state medical treatment on the same terms as other EU nationals.

After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

One of the advantages of carrying and using an EHIC/GHIC is that some insurance providers may waive your excess in the event of a medical claim.

What else should I think about if I’m going to the Canary Islands?

The Canary Islands - covering Tenerife, Lanzarote, Fuerteventura, Gran Canaria, La Palma, La Gomera and El Hierro as well as many smaller islands - are a very popular choice among holidaymakers.

Here's a few more travel facts about the Canary Islands to help you enjoy your trip:

  • Drinking water: they have desalinated sea water – which is safe to drink but doesn't taste great. The locals tend to buy bottled water – it's cheap and easily available
  • Altitude sickness: if you climb above 2,500m this can be a risk. Hikers are advised not to plan their trip during the summer months
  • Protect yourself from the sun: with the extreme heat, dehydration can be a problem. Excessive fluid loss can result in headaches, dizziness and tiredness
  • Try the wines: six of the Canary Islands produce highly respected wines using indigenous grapes that have been there for centuries
  • Tipping: much like at home, leave 10% if you're happy with the service. Taxis don't expect a tip, but do appreciate them

Where can I compare travel insurance quotes for the Canary Islands?

Travel insurance for your Canary Islands holiday could give you valuable peace of mind and finding the right one for you couldn't be easier. Simply compare offers today and get a quote in minutes.

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